ACBI Stock Overview
Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A.
Atlantic Capital Bancshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$27.89|
|52 Week High||US$30.17|
|52 Week Low||US$14.50|
|1 Month Change||-3.73%|
|3 Month Change||15.15%|
|1 Year Change||77.87%|
|3 Year Change||59.74%|
|5 Year Change||64.54%|
|Change since IPO||78.10%|
Recent News & Updates
This Is Why Atlantic Capital Bancshares, Inc.'s (NASDAQ:ACBI) CEO Compensation Looks Appropriate
CEO Doug Williams has done a decent job of delivering relatively good performance at Atlantic Capital Bancshares, Inc...
|ACBI||US Banks||US Market|
Return vs Industry: ACBI exceeded the US Banks industry which returned 40.8% over the past year.
Return vs Market: ACBI exceeded the US Market which returned 19.4% over the past year.
|ACBI Average Weekly Movement||4.6%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||6.1%|
|10% most volatile stocks in US Market||14.8%|
|10% least volatile stocks in US Market||2.4%|
Stable Share Price: ACBI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ACBI's weekly volatility (5%) has been stable over the past year.
About the Company
Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A. that provides banking products and services. The company offers non-interest and interest bearing demand, savings and money market, time, and brokered deposits. It also provides working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, and letters of credit; secured installments and home equity lines of credit; and commercial real estate loans, including secured construction loans, secured mini-permanent loans, and secured or unsecured lines of credit, as well as small business administration and franchise finance loans.
Atlantic Capital Bancshares Fundamentals Summary
|ACBI fundamental statistics|
Is ACBI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ACBI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.39|
|Net Profit Margin||40.85%|
How did ACBI perform over the long term?See historical performance and comparison
Is Atlantic Capital Bancshares undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACBI ($27.89) is trading below our estimate of fair value ($46.27)
Significantly Below Fair Value: ACBI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACBI is poor value based on its PE Ratio (11.7x) compared to the US Banks industry average (10.8x).
PE vs Market: ACBI is good value based on its PE Ratio (11.7x) compared to the US market (16.9x).
Price to Earnings Growth Ratio
PEG Ratio: ACBI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ACBI is overvalued based on its PB Ratio (1.6x) compared to the US Banks industry average (1.1x).
How is Atlantic Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACBI's earnings are forecast to decline over the next 3 years (-2.1% per year).
Earnings vs Market: ACBI's earnings are forecast to decline over the next 3 years (-2.1% per year).
High Growth Earnings: ACBI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ACBI's revenue (5.5% per year) is forecast to grow slower than the US market (10% per year).
High Growth Revenue: ACBI's revenue (5.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ACBI's Return on Equity is forecast to be low in 3 years time (10.4%).
How has Atlantic Capital Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACBI has high quality earnings.
Growing Profit Margin: ACBI's current net profit margins (40.8%) are higher than last year (25.6%).
Past Earnings Growth Analysis
Earnings Trend: ACBI's earnings have grown significantly by 36.5% per year over the past 5 years.
Accelerating Growth: ACBI's earnings growth over the past year (145.5%) exceeds its 5-year average (36.5% per year).
Earnings vs Industry: ACBI earnings growth over the past year (145.5%) exceeded the Banks industry 43.1%.
Return on Equity
High ROE: ACBI's Return on Equity (13.3%) is considered low.
How is Atlantic Capital Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ACBI's Assets to Equity ratio (11.6x) is moderate.
Allowance for Bad Loans: ACBI has a sufficient allowance for bad loans (587%).
Low Risk Liabilities: 97% of ACBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: ACBI has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: ACBI's Loans to Deposits ratio (60%) is appropriate.
Level of Bad Loans: ACBI has an appropriate level of bad loans (0.2%).
What is Atlantic Capital Bancshares's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ACBI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ACBI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ACBI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ACBI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ACBI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Doug Williams (63 yo)
Mr. Douglas L. Williams, also known as Doug, is the Chief Executive Officer and a Director of Atlantic Capital Bank, National Association and its holding company, Atlantic Capital Bancshares, Inc. since Oc...
CEO Compensation Analysis
Compensation vs Market: Doug's total compensation ($USD898.76K) is below average for companies of similar size in the US market ($USD1.76M).
Compensation vs Earnings: Doug's compensation has been consistent with company performance over the past year.
Experienced Management: ACBI's management team is seasoned and experienced (5.2 years average tenure).
Experienced Board: ACBI's board of directors are considered experienced (5.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ACBI insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Atlantic Capital Bancshares, Inc.'s employee growth, exchange listings and data sources
- Name: Atlantic Capital Bancshares, Inc.
- Ticker: ACBI
- Exchange: NasdaqGS
- Founded: 2006
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$566.299m
- Shares outstanding: 20.30m
- Website: https://www.atlanticcapitalbank.com
Number of Employees
- Atlantic Capital Bancshares, Inc.
- Resurgens Plaza
- Suite 1600
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/04 00:09|
|End of Day Share Price||2021/12/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.